Ch 7 reasons that credit card debt wouldn't be discharged

PLEASE, share your thoughts and personal experiences. I had my, "free consultation" today and am still scared to death about filing. The lawyer just made it sound too easy to get out of this debt.

I was worried too, but we got our discharge last week, and everything went through without a hitch. It's best if you haven't used your credit cards for at least 90 days.

Here is the relevant information for you in Question & Answer format: -




Source: - "http://www.consumerrightsgroup.com"

There is really nothing to be scared about. Bankruptcy for most is more of a relief....it takes a heavy burden off your shoulders. Comparing it to creditors calling and abusive collectors, it is relatively painless.

Can someone please give some advice?

My combined income with husband before divorce was 100k ( mine 30 and his 70) Now we are going thru divorce. My own personal credit card debts are 140k - these are strictly unsecured. no other secured debt. these are mine - individual debts.
His own - individual debts are also 110k. after divorce my income reduces to 30k - which is below state poverty limit - I will pass means test I am sure -

can the credit companies challenge my discharge - saying I lied on application - there is NO paper I signed which said my income was 100k - it was all verbal - saying my combined household income was 100k - when I got credit cards.
BTW - my debts are due to the fact - my Late mom was ill before she died - I did all expenses - plus my dad - started living with us - my cousin brother was also supported by me -
please advise

Varsat

Hello Varsat -

If you obtained those credit cards while you were still married, then you didn't lie on the applications - because at that time, your household income was 100K, as you said.

There would be no reason for the credit card companies to challenge your filing or discharge - the credit card companies are not usually the ones that challenge a bankruptcy.

Who would challenge the bankruptcy if not the credit card company?

What happens if you were a little 'optimistic' with your stated income on your cc application? Working on commission can be feast or famine.